Fee Schedule - Current as of February 1, 2009

Checking Account Fees

Service:
Basic Checking                         $10.00 / Month
Dividend Checking Accounts      $2.00 / Month if minimum balance is not maintained

NSF                                         $30.00 / Item
Deposited Item Return               $30.00 / Item
Stop Payment                           $30.00 / Request
Check Printing                          Prices may vary depending upon style
Share Draft / ACH Overdraft       $30.00 / Item
Debit Card Overdraft                  $30.00 / Item
Share Draft Copy                      $3.00 / Item

Other Service Fees (applicable to all accounts)

Statement Copy                      $5.00 / Per Copy
Deposited Item Return             $30.00 / Item
Wire Transfer - International 
Incoming                                $40.00 / Transfer
Outgoing                                $40.00 / Transfer
Wire Transfer
Incoming                               $15.00
Outgoing                               $15.00
Teller Check                          $1.00 / Check
Inactive Account                    $10.00 / Month after 4 years & account balance under $1,000
Cashiers Check                     $3.00 / Item
Replacement Card
(ATM/Visa/Debit)                   $10.00 / Item
Teller Check Stop Payment    $25.00 / Item
Copy of current monthly
transaction statement            $1.00 / Request
Telephone Transaction           $1.00
ATM Card Overdraft               $30.00 / Item
Rush Card Fee                      $18.00 / Request

Electric Fund Transfers Fees

ATM Withdrawals                  6 / Month without charge
ATM                                     $1.00

Share Value

Par Value of One Share          $5.00

The fees appearing on this Schedule are accurate as of the last dividend declaration date indicated on this Truth-In-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.